Last updated: August 17, 2026
This is a small, one-person publication, and this policy is written to be read rather than to be survived. It describes what Insightful Coverage actually collects, who else sees it, and what you can ask us to do about it. Where the honest answer is “we do not know yet” or “this is likely to change,” it says so.
Insightful Coverage is an independent publisher. We do not sell insurance, we do not operate a quote form, and we do not pass your details to agents or carriers. There is no lead-generation funnel on this site.
The short version
We collect three things: anonymous traffic statistics, whatever you type into the contact form, and your email address if you have given it to us for the newsletter. We do not sell any of it. We do not have accounts, logins, comments or a shopping cart. If you want your data removed, ask through the contact page and we will remove it.
What we collect, and why
Traffic statistics. We use Google Analytics, loaded through Google Tag Manager, to see which pages people read and roughly where they came from. This is aggregate reporting — page views, referring sites, broad geography, device type. It is how a site with no advertising budget works out which articles are worth updating. Google sets cookies to do this, and they load for everyone who visits — we do not ask first. We used to show a cookie consent banner. We removed it, and the reason is worth stating plainly: we checked, and the banner was not actually preventing anything from loading. It collected an answer and no part of the site acted on it. A control that does nothing is worse than no control, because it tells you that you have a choice you do not have. Rather than leave it there looking reassuring, we took it down and wrote this instead.
Server and security logs. The site is hosted by Bluehost and sits behind Cloudflare, which filters malicious traffic before it reaches the site. Both keep standard server logs containing IP addresses, timestamps, the page requested and browser type. We do not read these routinely; they exist so that a host can debug a fault and a firewall can block an attack.
What you send us through the contact form. The contact form asks for a first name, an email address and a message. It is a WordPress form and the submissions are stored inside the site’s own database. We use them to answer you. We do not add contact-form senders to the newsletter.
Your email address, if you gave it to us. Roughly 500 people have given us an email address to be told when the newsletter launches. Those addresses currently sit in the site’s WordPress database and nowhere else. The newsletter has not launched, and no email has ever been sent to that list.
What we do not collect
Being specific about the absences is more useful than a list of possibilities.
- The Risk IQ quiz collects nothing. It runs entirely inside your browser. It does not ask for your email, it does not send your answers anywhere, and it does not store your score.
- There are no quote forms. We never ask for your address, date of birth, driving record, health history, Social Security number or any other underwriting information, because we do not sell insurance and have no use for it.
- There are no comments and no user accounts, so there is nothing to register for and no profile attached to you.
- We do not run advertising trackers. There is no Meta pixel, no advertising retargeting tag and no third-party ad network on this site.
Cookies
There is no consent banner on this site. The cookies that get set are the Google Analytics ones described above and a token from our host’s own site tooling. If you would rather not be counted, the controls that genuinely work are in your hands rather than ours: your browser’s tracking protection, any content blocker, or Google’s own Analytics opt-out browser add-on. Those actually stop the data being collected, which is more than our banner was doing.
Images on this site are delivered through Automattic’s image service, which speeds up loading; that service sees the request for the image, in the same way any content delivery network does.
We do not act on Do Not Track or Global Privacy Control signals, and we are not going to claim otherwise.
Who else sees your information
Only the companies that run the plumbing, and only as much as their function requires: Bluehost hosts the site, Cloudflare sits in front of it, Google provides the analytics, and Automattic provides the contact form and image delivery. Each of these has its own privacy policy governing what it does with what it sees.
We do not sell your personal information for money, and we have never done so. Under California law the word “sharing” also covers passing data to third parties for cross-context behavioral advertising; we do not run advertising on this site, so there is nothing of that kind happening here.
If we are ever legally compelled to hand something over, we will comply — and where we are permitted to tell you, we will.
Affiliate links
At the time of writing, this site carries no affiliate links and earns no commission from any insurer or comparison service. That is a true statement today and we expect it to change.
When it does change, the methodology page sets out the commitments that come with it: disclosure at the point the link appears rather than buried in a footer, and no influence on what gets ranked or where. This page will be updated at the same time. An affiliate link does not collect anything about you on our behalf — the other company may set its own cookie, and its own policy governs that.
How long we keep things
Contact form messages are kept while they are useful and are deleted when they are not. Newsletter email addresses are kept until you unsubscribe or ask us to remove you. Analytics data is retained according to Google’s own retention settings. Host and firewall logs rotate on their providers’ schedules, which are short.
Your choices
You can ask us to tell you what we hold about you, correct it, or delete it. You can unsubscribe from the newsletter, once it exists, from any email it sends. You can block the analytics cookies with your browser or the opt-out add-on linked above.
Ask through the contact page and say what you want done. We do not require you to prove anything elaborate; if you are asking about an email address, we may need you to ask from that address so that we are not deleting a stranger’s data on someone else’s say-so.
Californians have specific statutory rights under the CCPA as amended by the CPRA — to know, to delete, to correct, to opt out of sale or sharing, and not to be discriminated against for asking. A publication this size is almost certainly below the revenue and volume thresholds at which those obligations legally attach to a business. We are telling you that rather than implying a compliance posture we have not established. We will honor those requests regardless, because there is no good reason not to.
Children
This site is written for adults buying insurance and is not directed at children under 13. We do not knowingly collect anything from them. If you believe a child has sent us something, tell us and we will delete it.
Security
The site runs over HTTPS, sits behind a firewall, and is kept updated. That is the honest extent of it. No website can promise that data sent over the internet is perfectly secure, and this policy is not going to be the one that does.
Changes to this policy
We will change this page when what the site does changes — most obviously when the newsletter launches and when affiliate links appear. The date at the top will change with it. We will not quietly rewrite history: material changes will say what changed.
Who we are
Insightful Coverage is written and maintained by Ryan Hearn, a licensed insurance producer in California, license #0L14758. Insightful Coverage is an independent publisher and information service. It is not an insurance agency, broker or carrier, and nothing on this site is financial, legal or medical advice.
Reach us through the contact page.